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  #11 (permalink)  
Old 03-06-2009, 11:36 AM
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Quote:
Originally Posted by Putra78 View Post
kena kalu penjual tu masih ade lg outstanding bal dgn bank.. maknenye, umah penjual tu loan x abis byr lg.. upah utk discahrge.. tp fees utk penjual x sbyk pembeli..
lupa tanya tadi.... penjual nyer fees utk discharge tu berkadar langsung ngan harga jual ka? (utk kes loan tak habis bayar)
Last edited by ahmad_albab1; 03-06-2009 at 03:33 PM.
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  #12 (permalink)  
Old 03-13-2009, 05:34 PM
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Quote:
Originally Posted by ahmad_albab1 View Post
lupa tanya tadi.... penjual nyer fees utk discharge tu berkadar langsung ngan harga jual ka? (utk kes loan tak habis bayar)
on a slightly related matter,
if you buy a house with inflated SNP, do we still have to fork out
the 10% when signing the SNP?
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Old 03-13-2009, 05:39 PM
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Originally Posted by pemalas7 View Post
on a slightly related matter,
if you buy a house with inflated SNP, do we still have to fork out
the 10% when signing the SNP?
depend pada seller..... ada yang nak dan ada yg tak kisah.....
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Old 03-14-2009, 04:40 PM
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Quote:
Originally Posted by Putra78 View Post
kontra ni x jdk masalah sbenarnye..
........................

yg penting, mcm yg ko ckp nih:
pro:
- ble dapat 100% loan
- minimumkan modal permulaan memiliki umah
- teknik OPM!

sy mesti pilih..
OPM tu ape??
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Old 03-15-2009, 06:10 PM
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Quote:
Originally Posted by Putra78 View Post
kontra ni x jdk masalah sbenarnye..

- legal fee mmg lebih mahal:
tp takde la berganda2.. bg pembeli, dah kire dpt 100% loan, so consider di absoarb dlm loan, ok utk tidak luakkan duit sdiri.. penjual, legal fees utk discharge dlm rm1k je or less, itupun kalu ade loan lg, kalu umah dh abis bayr, lg skit legal fees die..

- stamp duty lebih mahal:
lg skali, since pembeli dh dpt full loan, x kisah la, cover la blk dgn loan yg dpt..

- bayaran bulanan bank lebih tinggi:
ye betul, instlmt tinggi skit.. tp dianggap kite byr d/p&fees&misc cost secara ansuran la (monthly installment), drpd kite nk dahulukan duit kite one short 10% + fees2 tuh.. then, kalu kite nk bg sewa umh ni, kalu confirm dpt +ve cf n ROI 8% above, automatic kite x kisah dh 'bayaran bulanan bank lebih tinggi' ni..

- ade risiko loan tak lepas kalau Valuation < harga S&P
make sure kite amik evaluator yg adalah panel pd bank yg kite plan nk amik home loan tuh.. supaya valuation xkan jdk < harga S&P..

yg penting, mcm yg ko ckp nih:
pro:
- ble dapat 100% loan
- minimumkan modal permulaan memiliki umah
- teknik OPM!

sy mesti pilih..
apakah teknik OPM?
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Old 03-15-2009, 11:12 PM
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Old 02-08-2010, 03:22 PM
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Kalau dah penjual/developer tu tak mau mark up S&P, aku nak buat apa ?
Cari rumah lain kot ?
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Old 02-08-2010, 06:36 PM
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Originally Posted by supuk View Post
Kalau dah penjual/developer tu tak mau mark up S&P, aku nak buat apa ?
Cari rumah lain kot ?
takleh nak buat apa2 ler jawapnya.... cari je umah lain
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Old 02-20-2010, 07:55 PM
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Encik Ahmad Albab,
Macam mana kalau rumah lot bumi ? Boleh ke seorang penjual (ni bukan developer) markup SNP ?
Ada apa-apa implikasi undang2 ?
Atau apa kesannya di belakang hari nanti ?
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Old 02-20-2010, 10:27 PM
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Quote:
Originally Posted by supuk View Post
Encik Ahmad Albab,
Macam mana kalau rumah lot bumi ? Boleh ke seorang penjual (ni bukan developer) markup SNP ?
Ada apa-apa implikasi undang2 ?
Atau apa kesannya di belakang hari nanti ?
Encik Supuk,

Soklan pertama: shud be no prob.....

Soklan kedua: semua urusan formal kita pakai SNP neyr agreement yg mana dipersetujui oleh seller and buyer..... hanya antara seller ngan buyer ada side agreement yg mentakan harga sebenar (juga telah dipersetujui oleh kedua2 pihak).... mengikut pemahaman saya yg takde latar belakang undang2 ni, saya tak nampak keslahan dr segi undang2...... lagipun selama ni, memang takde masalah pun...... lawyer pun tak pernah kata benda tu salah...... tp, utk kepastian kena tanya lawyer anda......

Soklan ketiga: kedua2 belah pihak bersetuju menandatangani kedua dua agreement (SNP dan side agreement)..... so, saya tak nampak kesan di belakang hari..... again, utk kepastian kena tanya lawyer anda.....
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